Mercury Mariner Insurance Rates

U.S. average insurance prices for a Mercury Mariner are $864 every 12 months with full coverage. Comprehensive costs an estimated $148, collision insurance costs $182, and liability coverage is estimated at $398. Buying just liability costs approximately $444 a year, and insurance for high-risk drivers costs around $1,850. Teenage drivers pay the highest rates at up to $3,454 a year.

Average premium for full coverage: $864

Price estimates broken down by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Mariner trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details average Mercury Mariner insurance rates for other coverage scenarios.

• The best discount rate is $527
• Choosing higher $1,000 deductibles can save approximately $76 annually
• The average price for the average middle-age driver who has $500 deductibles is $864
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,004
• Drivers who are prone to accidents and violations could pay up to $1,850
• The price to insure a teenage driver with full coverage can cost as much as $3,454 each year

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Insurance prices for a Mercury Mariner are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $220 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $421 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,000 to $1,500 additional each year, depending on your age. High-risk driver insurance ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Mercury Mariner insurance rates. A good driver about age 40 could pay as low as $620 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,170 on average in New York, Michigan, and Florida.

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Insurance Rates by Trim Level and Model Year

Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Affordable Mercury Mariner Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the information covered in the above illustrations.

• You may be able to save approximately $100 per year just by shopping early and online
• Teenagers are expensive to insure, costing up to $288 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $225 each year
• Drivers with DUI or reckless driving convictions may pay on average $990 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $440 every year to raise limits from a low limit to a 250/500 level